[1]马运全.商业银行服务定价权的变迁、分配及路径选择[J].金融教育研究,2012,(05):18-22.
　MA Yunquan.Changes in Pricing, Distribution and Path Choice of the Fixed Price of Commercial Banking Services[J].,2012,(05):18-22.
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商业银行服务定价权的变迁、分配及路径选择()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2012年05期
页码:
18-22
栏目:
出版日期:
2012-10-31

文章信息/Info

Title:
Changes in Pricing, Distribution and Path Choice of the Fixed Price of Commercial Banking Services
作者:
马运全;
中国人民银行济南分行,山东济南,250021
Author(s):
MA Yunquan
关键词:
商业银行; 金融服务; 定价权
Keywords:
commercial banks;  financial services;  pricing power
分类号:
F830.33
文献标志码:
A
摘要:
随着金融业的蓬勃发展,商业银行在给金融消费者带来多样化金融产品和服务的同时,服务定价问题引起了社会的广泛关注。考察历史可以看出,我国商业银行服务定价权经历了由政府主导定价到市场定价为主的转变。理论上来说,商业银行提供金融服务收取相应费用符合市场经济规律,但现实中仍然存在定价程序不规范、标准不科学等亟待改进的问题。通过对不同主体定价效率的分析来看,以市场定价为主是未来金融服务发展的趋势。银行服务收费定价的规范必须通过利率市场化改革等途径来实现。
Abstract:
With the booming financial sector, commercial banks bring diversified financial products and services for consumers, but the service pricing has aroused extensive attention. It can be seen by studying history, China's commercial banking services pricing power experienced a change from government -led pricing to market pricing based. In theory, it is in line with the market economy that commercial banks provide financial services and charge, but in reality there are still problems such as, non - standard pricing procedures, no scientific standards. All these need to be improved. From the analysis of the pricing efficiency of different subjects, market - based pricing is the future trend of development of financial services. The standardization of bank service charges pricing must be a- chieved by market -oriented interest rate reform and other ways.

参考文献/References:

[1]王宝刚,马运全.论金融消费者权益的法律保护[J].金融发展研究,2010(7):56-59.
[2]张倩.商业银行服务价格管理问题探讨[J].中国信用卡,2009(14).
[3]周海林,兰振光.存款收费:纷争与规范[J].福建金融管理干部学院学报,2006(4).
[4]2011年2月中国人民银行发布的《2010年支付体系运行总体情况》,中国经济网.
[5]苏素.公用事业政府直接管制定价的效率分析[J].重庆大学学报,2002(11):9-11.
[6]刘颖.我国商业银行中间业务定价问题的统计研究[D].湖南大学,2004.

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备注/Memo

备注/Memo:
中国法学会2011年度部级法学研究课题的阶段性成果,课题编号为CLS(2011)D37
更新日期/Last Update: 1900-01-01